How Much Is Car Insurance For A 19-year-old Per Month? Securing affordable car insurance can feel like a maze, especially for young drivers. CARS.EDU.VN simplifies this process, offering insights into average insurance costs, factors influencing premiums, and strategies for securing the best possible rates. Discover how to navigate the world of car insurance and find coverage that fits your needs and budget. Lower your insurance costs with safe driving and consider policy options for the best rate.
1. Understanding Car Insurance Costs for 19-Year-Olds
Car insurance rates for 19-year-olds are generally higher than those for older, more experienced drivers. This is because insurers statistically view younger drivers as a higher risk due to their limited driving experience and a greater likelihood of accidents. Let’s examine some key factors influencing these costs:
- Age and Experience: As a 19-year-old, you’re considered a high-risk driver due to inexperience. Insurance companies rely on data showing that younger drivers are more prone to accidents.
- Gender: Statistically, young male drivers tend to pay more than female drivers because they are often involved in more accidents.
- Location: Urban areas with higher traffic density and accident rates often lead to higher premiums.
- Vehicle Type: The make and model of your car significantly affect insurance rates. Sports cars or vehicles with high theft rates are more expensive to insure.
- Driving Record: Any history of accidents or traffic violations will significantly increase your insurance costs.
- Coverage Level: The type and amount of coverage you choose (liability, collision, comprehensive) greatly impact your monthly premium.
- Deductible: A higher deductible typically results in a lower monthly premium, but requires you to pay more out-of-pocket in the event of an accident.
For instance, data from the Insurance Institute for Highway Safety (IIHS) consistently shows that young drivers are overrepresented in crash statistics. According to a study by the National Highway Traffic Safety Administration (NHTSA), drivers aged 16-19 are nearly three times more likely than drivers aged 30-59 to be in a crash.
2. National Averages for 19-Year-Old Car Insurance
While individual rates vary based on the factors listed above, it’s helpful to have a general idea of national averages. Keep in mind that these are just averages, and your actual rate could be higher or lower.
- Average Monthly Premium: The national average monthly car insurance premium for a 19-year-old ranges from $200 to $500.
- Average Annual Premium: Annually, this can translate to anywhere from $2,400 to $6,000 or more.
To get a more precise estimate, it’s essential to compare quotes from multiple insurance providers. CARS.EDU.VN can assist you by providing access to a network of insurers, helping you find the most competitive rates tailored to your specific circumstances.
3. How Gender Affects Car Insurance Rates
In many states, gender is a significant factor in determining car insurance premiums for young drivers. Statistically, young male drivers tend to engage in riskier driving behaviors, resulting in higher accident rates and more claims. This leads to higher insurance rates for young men compared to their female counterparts.
- Male vs. Female Premiums: On average, a 19-year-old male might pay 10-20% more for car insurance than a 19-year-old female with a similar driving record and vehicle.
- States Where Gender Doesn’t Matter: However, it’s important to note that some states prohibit the use of gender as a rating factor. These states include California, Hawaii, Massachusetts, Montana, Pennsylvania, and North Carolina. In these locations, insurance companies must rely on other factors like driving history, vehicle type, and coverage level to determine premiums.
According to the Consumer Federation of America, these states have taken steps to eliminate gender bias in insurance pricing, ensuring fairer rates for all drivers.
4. Car Insurance Costs by State
Car insurance rates vary significantly from state to state due to factors like population density, traffic laws, minimum coverage requirements, and the prevalence of uninsured drivers. Some states have notoriously high insurance costs, while others offer more affordable rates. Let’s compare some examples:
- States with High Premiums:
- Michigan: Known for its high mandatory Personal Injury Protection (PIP) coverage, Michigan often has the highest car insurance rates in the country.
- Louisiana: High rates of uninsured drivers and frequent weather-related claims contribute to Louisiana’s expensive car insurance market.
- Florida: A large elderly population and a high number of uninsured drivers drive up insurance costs in Florida.
- States with Low Premiums:
- Maine: Rural areas, low population density, and a low rate of uninsured drivers help keep insurance rates affordable in Maine.
- New Hampshire: This state doesn’t require drivers to carry auto insurance, leading to more competitive pricing among insurers.
- Iowa: A combination of low population density and a responsible driving culture contributes to Iowa’s low insurance rates.
The Insurance Research Council provides detailed state-by-state comparisons of car insurance costs and the factors that influence them.
Monthly Car Insurance for 19-Year-Old by State
| State | Male | Female | State Average |
|---|---|---|---|
| Alaska | $351.00 | $256.00 | $136.00 |
| Alabama | $263.00 | $294.00 | $125.00 |
| Arkansas | $164.00 | $158.00 | $100.00 |
| Arizona | $367.00 | $324.00 | $144.00 |
| California | $279.00 | $256.00 | $149.00 |
| Colorado | $270.00 | $277.00 | $143.00 |
| Connecticut | $450.00 | $424.00 | $194.00 |
| District of Columbia | $311.00 | $375.00 | $186.00 |
| Delaware | $266.00 | $264.00 | $129.00 |
| Florida | $668.00 | $637.00 | $304.00 |
| Georgia | $481.00 | $403.00 | $173.00 |
| Hawaii | $134.00 | $120.00 | $109.00 |
| Iowa | $168.00 | $150.00 | $95.00 |
| Idaho | $192.00 | $172.00 | $73.00 |
| Illinois | $192.00 | $171.00 | $105.00 |
| Indiana | $185.00 | $166.00 | $94.00 |
| Kansas | $267.00 | $228.00 | $119.00 |
| Kentucky | $329.00 | $274.00 | $138.00 |
| Louisiana | $565.00 | $557.00 | $236.00 |
| Massachusetts | $203.00 | $205.00 | $112.00 |
| Maryland | $317.00 | $266.00 | $152.00 |
| Maine | $208.00 | $180.00 | $92.00 |
| Michigan | $172.00 | $179.00 | $110.00 |
| Minnesota | $177.00 | $169.00 | $109.00 |
| Missouri | $284.00 | $257.00 | $149.00 |
| Mississippi | $242.00 | $221.00 | $107.00 |
| Montana | $223.00 | $271.00 | $118.00 |
| North Carolina | $182.00 | $194.00 | $126.00 |
| North Dakota | $149.00 | $155.00 | $90.00 |
| Nebraska | $273.00 | $186.00 | $118.00 |
| New Hampshire | $250.00 | $236.00 | $115.00 |
| New Jersey | $299.00 | $302.00 | $173.00 |
| New Mexico | $225.00 | $235.00 | $123.00 |
| Nevada | $389.00 | $392.00 | $231.00 |
| New York | $301.00 | $187.00 | $203.00 |
| Ohio | $204.00 | $190.00 | $96.00 |
| Oklahoma | $265.00 | $234.00 | $128.00 |
| Oregon | $310.00 | $301.00 | $117.00 |
| Pennsylvania | $282.00 | $283.00 | $149.00 |
| Rhode Island | $417.00 | $239.00 | $151.00 |
| South Carolina | $360.00 | $312.00 | $142.00 |
| South Dakota | $168.00 | $164.00 | $107.00 |
| Tennessee | $235.00 | $231.00 | $112.00 |
| Texas | $421.00 | $383.00 | $153.00 |
| Utah | $278.00 | $270.00 | $123.00 |
| Virginia | $274.00 | $262.00 | $115.00 |
| Vermont | $218.00 | $145.00 | $83.00 |
| Washington | $169.00 | $145.00 | $93.00 |
| Wisconsin | $229.00 | $228.00 | $114.00 |
| West Virginia | $248.00 | $263.00 | $137.00 |
| Wyoming | $296.00 | $340.00 | $148.00 |
5. The Impact of Your Car on Insurance Costs
The type of car you drive is a major factor in determining your insurance rates. Insurance companies assess risk based on the vehicle’s safety record, repair costs, and likelihood of theft. Some cars are simply more expensive to insure than others.
- High-Risk Vehicles:
- Sports Cars: Vehicles like the Ford Mustang or Chevrolet Camaro are often associated with higher insurance rates due to their powerful engines and the increased likelihood of speeding or reckless driving.
- Luxury Cars: High-end vehicles like BMWs or Mercedes-Benzs come with expensive repair costs and are often targets for theft, leading to higher premiums.
- Large SUVs and Trucks: While these vehicles may seem safe, their size can cause more damage in an accident, resulting in higher insurance payouts.
- Low-Risk Vehicles:
- Sedans: Practical sedans like the Honda Civic or Toyota Corolla are typically cheaper to insure due to their safety features and lower repair costs.
- Small SUVs: Compact SUVs like the Honda CR-V or Toyota RAV4 offer a balance of safety and affordability, making them good choices for young drivers.
- Minivans: With their emphasis on safety and family-friendly features, minivans like the Chrysler Pacifica or Honda Odyssey tend to have lower insurance rates.
The Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) provide valuable data on vehicle safety and insurance loss statistics.
Car Insurance for 19-Year-Old by Vehicle
| Vehicle Make | Avg Monthly Rate | Vehicle Make | Avg Monthly Rate |
|---|---|---|---|
| Chevrolet | $279.00 | Pontiac | $180.00 |
| HONDA | $316.00 | Cadillac | $295.00 |
| Ford | $285.00 | RAM | $499.00 |
| Toyota | $325.00 | Saturn | $220.00 |
| Nissan | $377.00 | Mercury | $224.00 |
| HYUNDAI | $373.00 | Lincoln | $315.00 |
| Dodge | $339.00 | TESLA | $1,298.00 |
| Kia | $361.00 | Volvo | $323.00 |
| Jeep | $236.00 | Mini | $308.00 |
| Volkswagen | $318.00 | Suzuki | $340.00 |
| Bmw | $375.00 | Oldsmobile | $170.00 |
| Chrysler | $261.00 | FIAT | $278.00 |
| Mazda | $307.00 | SAAB | $335.00 |
| Infiniti | $455.00 | Alfa Romeo | $484.00 |
| SUBARU | $246.00 | JAGUAR | $433.00 |
| Acura | $322.00 | PORSCHE | $370.00 |
| Gmc | $242.00 | Land Rover | $400.00 |
| MERCEDES-BENZ | $541.00 | Maserati | $471.00 |
| Buick | $230.00 | KAWASAKI | $446.00 |
| Audi | $373.00 | SCION | $268.00 |
| Lexus | $351.00 | YAMAHA | $482.00 |
| MITSUBISHI | $318.00 | Lamborghini | $607.00 |
6. Discounts to Lower Your Car Insurance Premium
Even though car insurance rates for 19-year-olds are typically high, there are many discounts available that can help lower your premium. It’s essential to explore all possible discounts to find the most affordable coverage.
- Good Student Discount: Many insurance companies offer discounts to students who maintain a B average or higher.
- Driver’s Education Discount: Completing a certified driver’s education course can often qualify you for a discount.
- Defensive Driving Course Discount: Taking a defensive driving course can demonstrate your commitment to safe driving and earn you a discount.
- Multi-Policy Discount: Bundling your car insurance with other policies, such as homeowners or renters insurance, can result in significant savings.
- Multi-Car Discount: If your family insures multiple vehicles with the same company, you may be eligible for a discount.
- Safety Features Discount: Cars equipped with advanced safety features like anti-lock brakes, electronic stability control, and airbags may qualify for discounts.
- Anti-Theft Device Discount: Installing anti-theft devices like alarms or GPS tracking systems can reduce the risk of theft and lower your insurance rates.
- Low Mileage Discount: If you drive fewer miles than average, you may be eligible for a discount.
- Good Driver Discount: Maintaining a clean driving record for a certain period can earn you a discount.
The Insurance Information Institute provides a comprehensive list of potential car insurance discounts.
7. Comparing Car Insurance Companies
Not all car insurance companies are created equal. Some specialize in insuring young drivers and offer more competitive rates than others. It’s essential to shop around and compare quotes from multiple insurers to find the best deal. Here are some companies known for offering relatively affordable rates for young drivers:
- State Farm: Known for its good customer service and a wide range of discounts, State Farm is a popular choice for young drivers.
- GEICO: GEICO is known for its competitive rates and user-friendly online platform.
- Progressive: Progressive offers a variety of discounts and a Snapshot program that tracks your driving habits to potentially lower your premium.
- USAA: If you or a family member has a military connection, USAA offers excellent rates and customer service. (Eligibility restrictions apply.)
Remember that the best company for you will depend on your specific circumstances and the discounts you qualify for.
Cheap Car Insurance Companies for 19-Year-Old
| Company | Insured | Uninsured | Difference |
|---|---|---|---|
| NatGen Value | N/A | $532.00 | $532.00 |
| Kemper Auto | Infinity | N/A | $1,547.00 | $1,547.00 |
| NatGen Advantage | N/A | $586.00 | $586.00 |
| National General Value | $590.00 | $881.00 | $291.00 |
| National General | $838.00 | $1,341.00 | $503.00 |
| AssuranceAmerica | $876.00 | $716.00 | $160.00 |
| Safeco | $940.00 | $755.00 | $185.00 |
| Kemper Auto | $940.00 | N/A | $940.00 |
| Dairyland Auto | $1,330.00 | $624.00 | $706.00 |
| Kemper Auto Special | $1,909.00 | $2,755.00 | $846.00 |
8. The Importance of Maintaining Continuous Insurance Coverage
Maintaining continuous car insurance coverage is crucial, especially for young drivers. Gaps in coverage can lead to higher premiums in the future. Insurance companies view drivers with continuous coverage as less risky, as it demonstrates a commitment to responsible driving.
- Higher Rates After a Lapse: If you let your insurance coverage lapse, even for a short period, you may be charged higher rates when you reinstate your policy or purchase a new one.
- “No Prior Insurance” Penalty: Insurers often penalize drivers who have no prior insurance history, even if they have a clean driving record.
- Proof of Continuous Coverage: Be prepared to provide proof of continuous coverage when switching insurance companies or purchasing a new policy.
9. Choosing the Right Coverage Level
Selecting the appropriate level of car insurance coverage is a critical decision. It’s essential to strike a balance between affordability and adequate protection. Here’s a breakdown of common coverage types:
- Liability Coverage: This is the most basic type of coverage and is required by law in most states. It covers damages and injuries you cause to others in an accident.
- Bodily Injury Liability: Pays for medical expenses, lost wages, and pain and suffering for people injured in an accident you caused.
- Property Damage Liability: Pays for damage you cause to another person’s vehicle or property.
- Collision Coverage: Pays for damage to your vehicle if you collide with another object, regardless of who is at fault.
- Comprehensive Coverage: Pays for damage to your vehicle caused by events other than collisions, such as theft, vandalism, fire, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver who has no insurance or insufficient coverage to pay for your damages.
- Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers, regardless of who is at fault. (Available in some states.)
For a 19-year-old, it’s often recommended to carry more than just the minimum required liability coverage. Consider adding collision and comprehensive coverage to protect your vehicle from a wider range of risks.
10. Safe Driving Habits to Reduce Insurance Costs
One of the most effective ways to lower your car insurance rates is to practice safe driving habits. Insurance companies reward drivers who demonstrate a commitment to safety.
- Avoid Accidents: This is the most obvious way to keep your rates low. Drive defensively, stay alert, and avoid distractions like texting or talking on the phone.
- Obey Traffic Laws: Speeding tickets and other traffic violations can significantly increase your insurance costs.
- Maintain a Clean Driving Record: A clean driving record is one of the best ways to qualify for discounts and keep your rates low.
- Take a Defensive Driving Course: Completing a defensive driving course can improve your driving skills and earn you a discount on your insurance.
- Avoid Driving Under the Influence: Driving under the influence of alcohol or drugs is not only illegal but also a surefire way to see your insurance rates skyrocket.
- Use Technology Wisely: Many insurance companies offer programs that track your driving habits using a smartphone app or device. If you demonstrate safe driving behaviors, you may be eligible for a discount.
The National Safety Council offers valuable resources and tips for safe driving.
11. How Credit Score Impacts Car Insurance Premiums
In many states, insurance companies use your credit score as a factor in determining your car insurance rates. Studies have shown a correlation between credit scores and the likelihood of filing insurance claims. Drivers with lower credit scores are statistically more likely to file claims, leading to higher premiums.
- States Where Credit Scoring Is Prohibited: However, it’s important to note that some states prohibit the use of credit scores in insurance pricing. These states include California, Hawaii, Massachusetts, and Michigan.
- Improving Your Credit Score: If you live in a state where credit scoring is allowed, improving your credit score can lead to lower insurance rates. Pay your bills on time, keep your credit card balances low, and avoid opening too many new accounts.
12. Utilizing Telematics Programs for Potential Savings
Telematics programs are becoming increasingly popular among car insurance companies. These programs use devices or smartphone apps to track your driving behavior and offer discounts based on your performance.
- How Telematics Works: The device or app monitors factors like speed, braking habits, mileage, and time of day you drive.
- Potential Savings: If you demonstrate safe driving habits, you can earn significant discounts on your insurance premium.
- Privacy Concerns: Some drivers may be concerned about privacy issues related to telematics programs. Be sure to understand how your data will be used before enrolling in a program.
Progressive’s Snapshot program and State Farm’s Drive Safe & Save program are two well-known examples of telematics programs.
13. Adding Yourself to a Parent’s Policy
One of the most effective ways for a 19-year-old to save money on car insurance is to be added to a parent’s policy. This is often significantly cheaper than purchasing a separate policy.
- Eligibility: You typically need to live at the same address as your parents to be added to their policy.
- Potential Savings: The savings can be substantial, especially if your parents have a long history of safe driving and a good credit score.
- Impact on Parent’s Rates: Keep in mind that your driving record can affect your parents’ insurance rates. If you have accidents or traffic violations, their premium may increase.
14. Understanding Different Types of Car Insurance Policies
Navigating the world of car insurance policies can be confusing. Understanding the different types of policies available can help you make informed decisions and find the coverage that best suits your needs.
- Minimum Coverage Policy: This type of policy provides the minimum amount of coverage required by law in your state. While it’s the cheapest option, it may not provide adequate protection in the event of a serious accident.
- Standard Coverage Policy: This policy includes liability coverage, as well as collision and comprehensive coverage. It offers more comprehensive protection than a minimum coverage policy.
- Full Coverage Policy: This policy provides the highest level of protection and includes liability coverage, collision and comprehensive coverage, and uninsured/underinsured motorist coverage.
- Usage-Based Insurance (UBI): This type of policy bases your premium on how you drive, using telematics devices or smartphone apps to track your driving behavior.
15. Car Insurance and Financial Responsibility Laws
Every state has financial responsibility laws that require drivers to be able to pay for damages they cause in an accident. Car insurance is the most common way to meet this requirement.
- Minimum Coverage Requirements: Most states have minimum coverage requirements for liability insurance. These requirements vary from state to state.
- Penalties for Driving Without Insurance: Driving without insurance can result in fines, license suspension, and even jail time.
- SR-22 Requirements: If you’re convicted of certain traffic violations, such as driving under the influence or driving without insurance, you may be required to file an SR-22 form with the state, which proves that you have car insurance coverage.
16. Future Trends in Car Insurance for Young Drivers
The car insurance industry is constantly evolving, and there are several trends that are likely to impact young drivers in the future.
- Increased Use of Telematics: Telematics programs are becoming more sophisticated and widely used, offering greater opportunities for young drivers to save money on insurance.
- Autonomous Vehicles: As autonomous vehicles become more common, car insurance rates are likely to change. The responsibility for accidents may shift from the driver to the manufacturer or technology provider.
- Data Analytics: Insurance companies are increasingly using data analytics to assess risk and personalize premiums. This could lead to more accurate and fairer pricing for young drivers.
17. Frequently Asked Questions (FAQs) about Car Insurance for 19-Year-Olds
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Why is car insurance so expensive for 19-year-olds?
- 19-year-olds are statistically more likely to be involved in accidents due to inexperience.
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What is the cheapest car insurance company for a 19-year-old?
- The cheapest company varies, but State Farm, GEICO, and Progressive are often competitive.
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How can a 19-year-old lower their car insurance premium?
- Discounts, safe driving, and adding to a parent’s policy can help.
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Does gender affect car insurance rates for 19-year-olds?
- Yes, in many states, males pay more due to higher accident rates.
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What type of car is cheapest to insure for a 19-year-old?
- Sedans and small SUVs typically have lower insurance rates.
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What happens if a 19-year-old drives without insurance?
- Penalties include fines, license suspension, and potential SR-22 requirements.
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How does credit score affect car insurance rates for 19-year-olds?
- In many states, a lower credit score leads to higher premiums.
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What is a telematics program, and how can it help a 19-year-old save on car insurance?
- Telematics tracks driving habits and offers discounts for safe driving.
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Is it better for a 19-year-old to be on their parent’s policy?
- Yes, it’s often cheaper than a separate policy.
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What are the different types of car insurance coverage?
- Liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
18. Finding the Best Car Insurance with CARS.EDU.VN
Navigating the complexities of car insurance for a 19-year-old can be overwhelming. CARS.EDU.VN is here to help. We provide comprehensive resources and tools to assist you in finding the most affordable and suitable coverage.
- Expert Advice: Access articles, guides, and tips on car insurance.
- Quote Comparisons: Compare quotes from top insurance companies.
- Local Support: Find local agents and resources in your area.
- Latest News: Stay informed about industry trends and policy updates.
Conclusion
Determining “how much is car insurance for a 19-year-old per month” involves many variables. But by understanding the factors influencing car insurance rates, exploring available discounts, and comparing quotes from multiple insurers, you can find affordable coverage that meets your needs. CARS.EDU.VN is your trusted partner in navigating the car insurance landscape.
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